Anton, hello!
Below we will analyze in detail the situation with Renaissance Credit Bank.

Data from the network and real practice:

With the bank "Renaissance" turned out to be quite an interesting story. The network has confirmed information that in December 2015 the Central Bank revoked the license from the financial institution.

This information can be found, for example, on the resource banki.ru. Nevertheless, it is important to understand that until December of the year before last, two Renaissance banks functioned in Russia:

LLC CB "Renaissance Credit";
LLC KB "Renaissance"

The first bank is alive to this day, and the second really had its license revoked. That's the whole difference. So don't worry Anton! All is well with your bank. Other things being equal, you will continue to cooperate with Renaissance Credit.

We add that we did not limit ourselves to information from the network. Especially for you, the addresses of Renaissance Credit Bank branches in Moscow were inspected. We declare responsibly: the organization has a license and works properly - issues loans, carries out operations related to repayment, etc.

Who should pay the loan if the bank loses its license?

Recently, many financial institutions have lost their license. A reasonable question arises: if the bank that gave me the loan no longer works, to whom will I be obliged to pay the money? In solving these difficulties, there are both general patterns and particulars.

Typically, customers of a bank that has ceased to function move to another bank that has a license. It's hard to predict otherwise. Namely, which organization in each case will undertake to work with such a “legacy”.

Renaissance Credit itself took over the clients of the now closed Russlavbank (the information was checked with RenCredit employees). In the light of all this, we can responsibly state the following: the data that the Renaissance Credit bank was deprived of its license do not correspond to the truth.

Your creditor, Anton, is unlikely to experience serious difficulties in the foreseeable future. But even if he does, the loan will still not “dissolve”.

How to find out if Renaissance Credit has a license revoked or not?

Revocation of the Renaissance bank license by the Central Bank of Russia

More and more often we hear the news that Central Bank revokes licenses commercial credit institutions from one after another. Not surprisingly, the clients of these organizations are concerned about what is happening. The question arises as to whether it is worth using the services of the CB, what are the guarantees that the selected credit institution will continue to function in the near future.

A new cause for concern was the rumor that Bank Renaissance Credit revoked license. But is there any real reason to worry about this?

Banking organization operates as usual

In order to reassure its customers, a message appeared in the news section commenting on a rumor that Renaissance Credit LLC had its license revoked. It explained that it was about the Renaissance company. Therefore, this incident has nothing to do with Renaissance Credit Bank.

Therefore, those who already use the services of the CB can be sure that the bank is working in accordance with the usual schedule. All ways to open a deposit, get a loan or a card are still available for new users. KB branches are waiting for visitors every weekday from 10.00 to 20.00 Saturday - 10.00 to 17.00.

Official information about CB "Renaissance Credit" LLC

Despite the unstable situation in the country, Renaissance Bank continues to work with the following details:

• head office: CB "Renaissance Credit" (LLC), Moscow;
• Renaissance Credit license for banking operations dated April 26, 2013 No. 3354;
• BIC 044525135;
• TIN 7744000126;
• Checkpoint 772501001.

This is data that is required when paying a loan or other payments. Details can be found in the section "Official information"

Customer Support

If you are faced with conflicting information, such as Renaissance Bank has revoked its license, how can you find out the exact information:

• The official website of rencredit ru provides an opportunity to find out the data you are interested in in the "News" or "Customer Support" section. If you did not find the answer in the available sections, send your question by filling out a special form.
• Free telephone hotline 8 800 200-0-981 receives calls around the clock.
• Contact one of the branches for advice, where employees always have up-to-date information about the work schedule and the services provided.

Remember that information about the activities of the bank should be obtained only from reliable and trusted sources. This way you have less to worry about.

What is needed to apply for a loan?

The accuracy of information is also important in such an important issue as obtaining a loan. A correct understanding of your capabilities in the bank will save you time and effort. For example, the obligatory conditions for this service are the age of the client, his permanent place of residence or work, monthly income or length of service. If one of the above parameters does not meet the requirements, you can expect a loan refusal.

The list of required documents will help you immediately collect a complete package for obtaining a loan.

It includes a passport, a certificate of seniority and income received from the place of work, an application and a military ID for men. To the additional list of documents may include insurance policies, information about property, marital status, TIN, education document and others.

Renaissance Credit Bank offers its customers 4 types of consumer loans designed for different categories of people: regular users of services, new consumers, pensioners or for an urgent loan. The maximum amount reaches 700,000 rubles for up to five years with an interest rate of 13.9%. Details of the loan are decided on an individual basis.

Since the bank is actively cooperating with other enterprises, such as Euroset, Media Market and others, it is possible to issue a targeted loan in the buildings of these stores. Despite smaller loan amounts and higher interest rates, this option benefits from simplicity and portability. And most importantly, you can enjoy your new purchase.

The bank's policy was high-risk. This is evidenced by very low equity capital adequacy ratios (less than two percent). According to the press service of the Central Bank, the management of Renaissance Bank did not think through the creation of adequate insurance risks for their reserves in case of losses. This bank carried out risky actions with funds and performed large transactions. Renaissance Bank was disconnected from BESP (electronic payment system) by the financial regulator in December, which confirmed its insolvency.

Individuals can "go bankrupt"

Conditions for declaring yourself bankrupt by an individual:

• the loan debt is five hundred thousand rubles. and more;
• Loan payments have not been made for more than three months.

In this case, a person can be released from loan obligations by declaring bankruptcy. But, according to many experts, it will be very difficult to do this.

Bank "Renaissance" credit - bankrupt

The initiative to start bankruptcy proceedings may belong to the debtors themselves, banks, or government agencies. The Central Bank and the Credit Bureau have calculated that many hundreds of thousands of people will be involved in this procedure, and only about five hundred thousand will achieve results. According to Deputy Chairman of the Central Bank V. Pozdyshev, the adopted law will help people get rid of problematic issues with credit institutions.

Renaissance Credit Bank

So, S. Jennings, the founder of the bank, made a proposal to introduce a different direction into the activity, which would be focused on issuing consumer loans to individuals.
In early 2007, the Renaissance retail bank underwent a rebranding, which resulted in the creation of Renaissance Credit to promote banking services to individuals, but its legal name remained the same. But the worst year for the bank was 2008.

The consequences of the loss of the license by "Renaissance" for the residents of Barnaul.

Residents of Altai are worried about the fate of their savings and call the bank.
According to representatives of the branch of the bank in Barnaul, the rumors about the bankruptcy of Renaissance are unfounded, since according to the bank rating it is in 54th place. In addition, the name of the bank is completely different, "Renaissance Credit".

Here you can read what are the steps for depriving your bank of a license.
Renaissance Credit is officially bankrupt. According to information received in December 2015 from the DIA (Deposit Insurance Agency), approximately thirteen thousand depositors will receive insurance payments. In general, the amount of compensation will be nine and a half billion rubles.
About all new events in the activities of banks, articles of an analytical nature can be found on the Bankir.ru website, the Facebook social network in the BankirNews group.

Deprivation of the license of the bank "Renaissance"

The explanations voiced by the Central Bank indicate that this extreme measure was taken because this bank does not comply with federal laws on the activities of credit institutions, regulations of the Central Bank of the Russian Federation. All actions taken during the last year by the Central Bank of the Russian Federation did not have the proper effect.

Bank "Renaissance Credit" went bankrupt

This news is closely linked to the situation at the Svyaznoy bank, it is close to disaster. The network of the Svyaznoy company went bankrupt, it was sold to pay debts for one ruble. The creditors did not take Svyaznoy Bank, they left it in the possession of Maxim Nogotkov, the head of the entire group.

Renaissance Credit Bank has been operating since 2003. Recently, news appeared on the Internet about the revocation of a license from a financial institution.

Is it true that Renaissance Credit Bank has its license revoked?

News often appears on the Internet that the Central Bank of Russia has revoked a license from a private financial institution. There was a rumor about the revocation of the license from Renaissance Credit Bank due to the credit institution's failure to comply with federal laws and regulations. In response to the panic of customers, the official website of the bank commented on the rumor about the revocation of the license. The management reports that the revocation of the license was made at the Renaissance company. CB "Renaissance Credit" and CB "Renaissance" are two different organizations.

Thus, Renaissance Credit Bank continues to operate under a license, and the reason for the rumors about the revocation of the document was the closure of a company with a similar name.

Latest news about the license

The latest news about the revocation of the license from Renaissance Credit reports that everything is in order with the organization, it continues to work as usual and issue loans, draw up cards, open deposits, and provide other additional services.

Those individuals who are afraid to work with the bank due to rumors about the revocation of the license can make sure that the financial organization has all the documents on a special website. Checking the license of all financial institutions is possible on:

• portal "Banki.ru". There is a section on the Internet resource - "The Book of Memory". It contains up-to-date data on credit institutions operating in the Russian Federation;
• official website of the Central Bank of the Russian Federation. On the main page on the left, you should find and go to the "Information on credit organizations" section. On the updated page, click on the "Reference" column and enter the name of the bank you are interested in to find out its current status.

All information is true and up-to-date at the time of the request.

Actual Services

Today, Renaissance Credit Bank, despite rumors about the revocation of the license, offers individuals the following services:

• registration of deposits;
• lending;
• opening salary, debit and credit cards.

The loan is issued for any purpose, without guarantors and collateral, hidden fees and payments. There are such programs:

• "For urgent purposes" . The loan amount is from 30,000 to 100,000 rubles. Interest rate - 19.9-24.7% per annum;
• "For Bank Clients" . The loan is issued in the amount of 30,000-700,000 rubles at 11.3-24.7% per annum for a period of 24-60 months;
• "Pensioners" . The interest rate is similar to the aforementioned offer "For clients". The loan amount is limited to 200,000 rubles;
• "More documents - lower rates" . The maximum loan amount is 700,000 rubles. The interest rate is from 11.3 to 24%.